ConnectOne Bancorp, Inc.

Thank you and welcome to the Connect One Bancorp Inc. Third Quarter 2025 Earnings Call. At this time, all participants are in a listen-only mode. A brief question and answer session will follow the formal presentation. As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Sia Vonsia, our Chief Brand and Innovation Officer. Ma'am, please go ahead.

Good morning and welcome to today's conference call to review Connect One's results for the third quarter of 2025 and to update you on recent developments. On today's conference call will be Frank Sorrentino, Chairman and Chief Executive Officer, and Bill Burns, Senior Executive Vice President and Chief Financial Officer. I'd also like to caution you that we may make forward-looking statements during today's conference call that are subject to risks and uncertainties. Factors that may cause actual results to differ materially from expectations are detailed in our SEC filings. The forward-looking statements included in this conference call are only made as of the date of this call. The company is not obligated to publicly update or revise them. In addition, certain terms used in this call are non-GAAP financial measures, reconciliations of which are provided in the company's earnings release and accompanying tables or schedules, which have been filed today on Form 8K with the SEC and may also be accessed through the company's website. I will now turn the call over to Frank Sorrentino. Frank, please go ahead.

Thank you, Cian. Good morning, everyone. We used to report that during the third quarter, we continued to build upon our strategic objectives. Clear reflection, our team's focus, client dedication, and discipline. As a result, the integration of our mergers complete credit quality remains solid, and our margin continues to expand, all while organically growing our balance sheet. And so our systems merger, as we just talked about, systems merger integration, which took place only two weeks after the legal close, went exceptionally well, driven by outstanding collaboration across our team. In our first full quarter post-merger, we're operating seamlessly. One organization, consolidated systems, strong cultural alignment, unified client-first mindset. We have since built meaningful momentum across our markets, leading to accelerating performance metrics, seeing strong engagement, ongoing new client onboarding, healthy growth, loans, and deposits. This progress is especially evident on Long Island, where we're leveraging our strategy to drive growth and strengthen our position. An attractive market we entered several years ago, the merger has accelerated our goal. Importantly, the positive financial aspects of the transaction are beginning to take hold. And Bill will discuss a little bit more about that a little more in a minute. Operationally, ConnectOne's ability to attract and retain deposits remains a strength. During the third quarter, our core deposits continued to grow across both established and newly acquired client relationships. Loan originations this quarter remained healthy with over $465 million in new funding. Our team is energized to leverage our expertise and attract growth opportunities across our expansion. Looking ahead, we're well positioned for the balance of 2025 and into 2026 with a healthy and diversified pipeline for our CNI, CRA, construction, SBA lending, demonstrating the strength and the reach of our franchise. Credit remains strong, supported by prudent and consistent underwriting standards, portfolio oversight. Our non-performing assets were just 0.28% at the end of the quarter. Annualized net charge-offs remained below 0.20%. And 30-day delinquencies were just 0.08% of total loans. Additionally, Connect One's capital and tangible book value grew meaningfully. Overall, our third quarter operating performance clearly demonstrates the strength and the potential of this organization. And with that overview, I'll turn it over to Bill to walk through some of the performance.